PAIUL™ · The Underwriting Language
The PAIUL™ 300 Variable Dictionary
The standardized language PAIUL uses to read a commercial or investment real-estate deal — every variable named, defined and evidenced — so a funding decision can be predicted, explained and improved before a lender sees the file.
How to read this dictionary. This page publishes the structure of the PAIUL underwriting language: every variable’s identity, pillar, definition, data type and the evidence that verifies it. The scoring weights, normalization curves and thresholds behind the PAIUL Funding Score™ are proprietary and are not published. Variables marked HARD GATE can independently cap or disqualify a transaction regardless of its other strengths. v1.1 is an additive overlay on the authoritative v1.0 dictionary under formal change control; scoring parameters are calibrated against real funding outcomes as they accumulate, and PAIUL publishes only what that evidence supports.
Sponsor Intelligence
20 variables
PAIUL-001SP-001
Borrower/entity typeSponsor identity & entity
Legal borrower structure and entity type.
Type: Scored assessment · Evidence: Sponsor docs / credit / RE schedule
PAIUL-002SP-002
Sponsor/guarantor countSponsor identity & entity
Number of material principals and guarantors.
Type: Scored assessment · Evidence: Sponsor docs / credit / RE schedule
PAIUL-003SP-003
Primary sponsor experienceExperience & track record
Years of relevant real-estate ownership, development or management experience.
Type: Scored assessment · Evidence: Sponsor docs / credit / RE schedule
PAIUL-004SP-004
Asset-class experienceExperience & track record
Verified experience in the subject asset class.
Type: Scored assessment · Evidence: Sponsor docs / credit / RE schedule
PAIUL-005SP-005
Market experienceExperience & track record
Verified experience in the subject market/MSA.
Type: Scored assessment · Evidence: Sponsor docs / credit / RE schedule
PAIUL-006SP-006
Successful exitsExperience & track record
Count of documented successful transactions/exits.
Type: Scored assessment · Evidence: Sponsor docs / credit / RE schedule
PAIUL-007SP-007
Failed/underperforming projectsExperience & track record
Material adverse project history and severity.
Type: Scored assessment · Evidence: Sponsor docs / credit / RE schedule
PAIUL-008SP-008
Foreclosure historyCredit & background
Verified foreclosure history and seasoning.
Type: Scored assessment · Evidence: Sponsor docs / credit / RE schedule
PAIUL-009SP-009
Bankruptcy historyCredit & background
Verified bankruptcy history and seasoning.
Type: Scored assessment · Evidence: Sponsor docs / credit / RE schedule
PAIUL-010SP-010
Mortgage delinquency historyCredit & background
Recent mortgage delinquency count, severity and recency.
Type: Scored assessment · Evidence: Sponsor docs / credit / RE schedule
PAIUL-011SP-011
Representative FICOCredit & background
Relevant borrower/guarantor credit score.
Type: Scored assessment · Evidence: Sponsor docs / credit / RE schedule
PAIUL-012SP-012
Credit depthCredit & background
Age, count and quality of credit tradelines.
Type: Scored assessment · Evidence: Sponsor docs / credit / RE schedule
PAIUL-013SP-013
Credit utilizationCredit & background
Revolving credit utilization.
Type: Percentage · Evidence: Sponsor docs / credit / RE schedule
PAIUL-014SP-014
Verified net worthFinancial capacity
Verified sponsor net worth excluding double-counted value.
Type: Currency · Evidence: Sponsor docs / credit / RE schedule
PAIUL-015SP-015
Verified liquidityFinancial capacity
Eligible post-closing unrestricted liquid assets.
Type: Currency · Evidence: Sponsor docs / credit / RE schedule
PAIUL-016SP-016
Liquidity-to-loan ratioFinancial capacity
Post-close liquidity relative to requested loan.
Type: Currency · Evidence: Sponsor docs / credit / RE schedule
PAIUL-017SP-017
Global cash flowFinancial capacity
Cash flow available across sponsor obligations.
Type: Scored assessment · Evidence: Sponsor docs / credit / RE schedule
PAIUL-018SP-018
Contingent liabilitiesFinancial capacity
Guarantees, lawsuits and other contingent obligations.
Type: Scored assessment · Evidence: Sponsor docs / credit / RE schedule
PAIUL-019SP-019
Ownership structureOwnership & governance
Direct/indirect ownership complexity and control.
Type: Scored assessment · Evidence: Sponsor docs / credit / RE schedule
PAIUL-020SP-020
Sponsor transparencyOwnership & governance
Completeness and consistency of sponsor information.
Type: Scored assessment · Evidence: Sponsor docs / credit / RE schedule
Financial Capacity
20 variables
PAIUL-021FN-001
Current DSCRDebt coverage
Current NOI/cash flow divided by annual debt service.
Type: Scored assessment · Evidence: Financial statements / tax returns / statements
PAIUL-022FN-002
Pro forma DSCRDebt coverage
Projected underwritten NOI divided by annual debt service.
Type: Scored assessment · Evidence: Financial statements / tax returns / statements
PAIUL-023FN-003
Debt yieldDebt coverage
NOI divided by proposed loan amount.
Type: Percentage · Evidence: Financial statements / tax returns / statements
PAIUL-024FN-004
Current LTVLeverage
Loan amount divided by current/as-is value.
Type: Percentage · Evidence: Financial statements / tax returns / statements
PAIUL-025FN-005
LTCLeverage
Loan amount divided by total project cost.
Type: Percentage · Evidence: Financial statements / tax returns / statements
PAIUL-026FN-006
LTGDVLeverage
Loan amount divided by projected gross development value.
Type: Percentage · Evidence: Financial statements / tax returns / statements
PAIUL-027FN-007
Equity contributionEquity & reserves
Sponsor cash equity invested/required.
Type: Scored assessment · Evidence: Financial statements / tax returns / statements
PAIUL-028FN-008
Post-close reservesEquity & reserves
Eligible liquidity remaining after closing uses.
Type: Scored assessment · Evidence: Financial statements / tax returns / statements
PAIUL-029FN-009
Reserve monthsEquity & reserves
Months of obligation covered by eligible reserves.
Type: Scored assessment · Evidence: Financial statements / tax returns / statements
PAIUL-030FN-010
Income stabilityCash flow
Stability of recurring sponsor/property income.
Type: Scored assessment · Evidence: Financial statements / tax returns / statements
PAIUL-031FN-011
NOI trendCash flow
Historical direction of NOI.
Type: Percentage · Evidence: Financial statements / tax returns / statements
PAIUL-032FN-012
Revenue trendCash flow
Historical direction of effective revenue.
Type: Percentage · Evidence: Financial statements / tax returns / statements
PAIUL-033FN-013
Expense ratioCash flow
Operating expenses as a percentage of revenue.
Type: Percentage · Evidence: Financial statements / tax returns / statements
PAIUL-034FN-014
Expense volatilityCash flow
Variability of operating expenses.
Type: Scored assessment · Evidence: Financial statements / tax returns / statements
PAIUL-035FN-015
Tax burdenProperty burden
Property tax burden relative to revenue/value.
Type: Currency · Evidence: Financial statements / tax returns / statements
PAIUL-036FN-016
Insurance burdenProperty burden
Insurance burden relative to revenue/value.
Type: Currency · Evidence: Financial statements / tax returns / statements
PAIUL-037FN-017
Existing debt burdenDebt burden
Existing debt obligations relative to cash flow/assets.
Type: Currency · Evidence: Financial statements / tax returns / statements
PAIUL-038FN-018
Maturity pressureDebt burden
Near-term existing debt maturity exposure.
Type: Scored assessment · Evidence: Financial statements / tax returns / statements
PAIUL-039FN-019
Refinance gapRefinance
Required payoff/use less supportable refinance proceeds.
Type: Currency · Evidence: Financial statements / tax returns / statements
PAIUL-040FN-020
Requested cash-outRefinance
Cash proceeds requested above payoff and closing costs.
Type: Scored assessment · Evidence: Financial statements / tax returns / statements
Asset Intelligence
30 variables · 5 hard gates
PAIUL-041AS-001
Primary asset classProperty classification
Multifamily, office, retail, industrial, hotel, self-storage, etc.
Type: Scored assessment · Evidence: Property docs / appraisal / rent roll / inspection
PAIUL-042AS-002
Asset subtypeProperty classification
Detailed subtype within the primary asset class.
Type: Scored assessment · Evidence: Property docs / appraisal / rent roll / inspection
PAIUL-043AS-003
Unit/room countPhysical characteristics
Number of rentable units or rooms.
Type: Scored assessment · Evidence: Property docs / appraisal / rent roll / inspection
PAIUL-044AS-004
Rentable areaPhysical characteristics
Verified rentable square footage/area.
Type: Scored assessment · Evidence: Property docs / appraisal / rent roll / inspection
PAIUL-045AS-005
Physical occupancyOperations
Occupied units/space as a percentage of total.
Type: Percentage · Evidence: Property docs / appraisal / rent roll / inspection
PAIUL-046AS-006
Economic occupancyOperations
Collected/effective revenue versus potential revenue.
Type: Percentage · Evidence: Property docs / appraisal / rent roll / inspection
PAIUL-047AS-007
Vacancy durationOperations
Duration of material current vacancy.
Type: Percentage · Evidence: Property docs / appraisal / rent roll / inspection
PAIUL-048AS-008
Lease rolloverOperations
Share of leases expiring within a defined horizon.
Type: Scored assessment · Evidence: Property docs / appraisal / rent roll / inspection
PAIUL-049AS-009
Tenant concentrationOperations
Revenue concentration among major tenants.
Type: Percentage · Evidence: Property docs / appraisal / rent roll / inspection
PAIUL-050AS-010
Tenant credit qualityOperations
Credit/strength of material tenants.
Type: Scored assessment · Evidence: Property docs / appraisal / rent roll / inspection
PAIUL-051AS-011
Weighted average lease termOperations
Weighted remaining lease term.
Type: Scored assessment · Evidence: Property docs / appraisal / rent roll / inspection
PAIUL-052AS-012
In-place rent growthOperations
Historical/projected growth of in-place rents.
Type: Percentage · Evidence: Property docs / appraisal / rent roll / inspection
PAIUL-053AS-013
Rent-to-marketOperations
In-place rent relative to supportable market rent.
Type: Scored assessment · Evidence: Property docs / appraisal / rent roll / inspection
PAIUL-054AS-014
Property condition C1-C6Condition
Standardized PAIUL property-condition classification.
Type: Scored assessment · Evidence: Property docs / appraisal / rent roll / inspection
PAIUL-055AS-015
Deferred maintenanceCondition
Estimated deferred maintenance cost.
Type: Scored assessment · Evidence: Property docs / appraisal / rent roll / inspection
PAIUL-056AS-016
Capital needsCondition
Near/medium-term capital expenditure requirement.
Type: Scored assessment · Evidence: Property docs / appraisal / rent roll / inspection
PAIUL-057AS-017
Code violationsLegal/property
Open material code violations.
Type: Scored assessment · Evidence: Property docs / appraisal / rent roll / inspection
PAIUL-058AS-018
Environmental conditionHARD GATELegal/property
Known environmental concerns.
Type: Scored assessment · Evidence: Property docs / appraisal / rent roll / inspection
PAIUL-059AS-019
Flood riskLegal/property
Relevant flood-zone/physical flood exposure.
Type: Scored assessment · Evidence: Property docs / appraisal / rent roll / inspection
PAIUL-060AS-020
Natural hazard exposureLegal/property
Wind, wildfire, seismic or other relevant hazard exposure.
Type: Scored assessment · Evidence: Property docs / appraisal / rent roll / inspection
PAIUL-061AS-021
Zoning complianceHARD GATELegal/property
Compatibility of current use with zoning.
Type: Scored assessment · Evidence: Property docs / appraisal / rent roll / inspection
PAIUL-062AS-022
Legal permitted useHARD GATELegal/property
Whether current use is legally permitted.
Type: Scored assessment · Evidence: Property docs / appraisal / rent roll / inspection
PAIUL-063AS-023
Parking adequacyPhysical utility
Parking supply relative to use/market requirements.
Type: Scored assessment · Evidence: Property docs / appraisal / rent roll / inspection
PAIUL-064AS-024
Amenities/functional utilityPhysical utility
Functional competitiveness relative to the market.
Type: Scored assessment · Evidence: Property docs / appraisal / rent roll / inspection
PAIUL-065AS-025
Repair funding availabilityCondition
Verified funding available to cure required repairs.
Type: Scored assessment · Evidence: Property docs / appraisal / rent roll / inspection
PAIUL-066AS-026
Insurance availabilityHARD GATEInsurance
Ability to obtain required insurance coverage.
Type: Scored assessment · Evidence: Property docs / appraisal / rent roll / inspection
PAIUL-067AS-027
Title conditionHARD GATETitle
Material title defects and exceptions.
Type: Scored assessment · Evidence: Property docs / appraisal / rent roll / inspection
PAIUL-068AS-028
Appraisal statusValuation
Current appraisal status, recency and type.
Type: Scored assessment · Evidence: Property docs / appraisal / rent roll / inspection
PAIUL-069AS-029
Value evidence strengthValuation
Strength of evidence supporting current value.
Type: Currency · Evidence: Property docs / appraisal / rent roll / inspection
PAIUL-070AS-030
Property strategic fitStrategic fit
Compatibility of subject asset with target capital.
Type: Yes / No · Evidence: Property docs / appraisal / rent roll / inspection
Market Intelligence
25 variables
PAIUL-071MK-001
Market economic strengthMarket strength
Composite economic strength of the subject MSA/submarket.
Type: Scored assessment · Evidence: Census / HUD / BLS / licensed market data
PAIUL-072MK-002
Population trendDemographics
Recent population growth or decline.
Type: Percentage · Evidence: Census / HUD / BLS / licensed market data
PAIUL-073MK-003
Household growthDemographics
Recent household formation trend.
Type: Percentage · Evidence: Census / HUD / BLS / licensed market data
PAIUL-074MK-004
Employment trendEconomy
Employment growth in the relevant market.
Type: Percentage · Evidence: Census / HUD / BLS / licensed market data
PAIUL-075MK-005
UnemploymentEconomy
Current unemployment level.
Type: Scored assessment · Evidence: Census / HUD / BLS / licensed market data
PAIUL-076MK-006
Income growthEconomy
Household income trend.
Type: Percentage · Evidence: Census / HUD / BLS / licensed market data
PAIUL-077MK-007
New supply pipelineSupply
Competitive planned/under-construction supply.
Type: Scored assessment · Evidence: Census / HUD / BLS / licensed market data
PAIUL-078MK-008
Market vacancy trendSupply
Direction of market vacancy.
Type: Percentage · Evidence: Census / HUD / BLS / licensed market data
PAIUL-079MK-009
Market rent trendDemand
Recent market rent growth.
Type: Percentage · Evidence: Census / HUD / BLS / licensed market data
PAIUL-080MK-010
Net absorptionDemand
Recent absorption relative to inventory.
Type: Scored assessment · Evidence: Census / HUD / BLS / licensed market data
PAIUL-081MK-011
Market cap rateValuation
Relevant market capitalization rate.
Type: Scored assessment · Evidence: Census / HUD / BLS / licensed market data
PAIUL-082MK-012
Cap rate trendValuation
Recent cap-rate movement.
Type: Percentage · Evidence: Census / HUD / BLS / licensed market data
PAIUL-083MK-013
Transaction liquidityLiquidity
Depth of relevant transaction market.
Type: Currency · Evidence: Census / HUD / BLS / licensed market data
PAIUL-084MK-014
Comparable price trendValuation
Recent comparable price movement.
Type: Currency · Evidence: Census / HUD / BLS / licensed market data
PAIUL-085MK-015
Comparable transaction depthValuation
Availability and quality of relevant comps.
Type: Scored assessment · Evidence: Census / HUD / BLS / licensed market data
PAIUL-086MK-016
Submarket competitivenessSubmarket
Relative position of subject submarket.
Type: Scored assessment · Evidence: Census / HUD / BLS / licensed market data
PAIUL-087MK-017
Public safety contextLocation
Relevant public-safety/location exposure.
Type: Scored assessment · Evidence: Census / HUD / BLS / licensed market data
PAIUL-088MK-018
Demand-supporting amenitiesLocation
Relevant amenities supporting demand.
Type: Scored assessment · Evidence: Census / HUD / BLS / licensed market data
PAIUL-089MK-019
Infrastructure/access qualityInfrastructure
Transportation and infrastructure support.
Type: Scored assessment · Evidence: Census / HUD / BLS / licensed market data
PAIUL-090MK-020
Economic diversificationEconomy
Employer/industry concentration versus diversification.
Type: Scored assessment · Evidence: Census / HUD / BLS / licensed market data
PAIUL-091MK-021
Local regulatory frictionRegulation
Permitting/zoning/regulatory environment.
Type: Scored assessment · Evidence: Census / HUD / BLS / licensed market data
PAIUL-092MK-022
Local tax environmentTaxes
Relevant local tax burden context.
Type: Scored assessment · Evidence: Census / HUD / BLS / licensed market data
PAIUL-093MK-023
Insurance market conditionsInsurance
Availability/cost pressure of insurance.
Type: Scored assessment · Evidence: Census / HUD / BLS / licensed market data
PAIUL-094MK-024
Climate/hazard trendHazards
Change in relevant physical hazard exposure.
Type: Percentage · Evidence: Census / HUD / BLS / licensed market data
PAIUL-095MK-025
Market evidence confidenceEvidence
Confidence in market-data completeness and freshness.
Type: Percentage · Evidence: Census / HUD / BLS / licensed market data
Structure Intelligence
25 variables · 2 hard gates
PAIUL-096ST-001
Loan purposeTransaction purpose
Acquisition, refinance, bridge, construction, cash-out, etc.
Type: Scored assessment · Evidence: Application / term sheet / appraisal / sources & uses
PAIUL-097ST-002
Requested loan amountLoan sizing
Gross requested debt amount.
Type: Currency · Evidence: Application / term sheet / appraisal / sources & uses
PAIUL-098ST-003
Purchase priceLoan sizing
Contract purchase price.
Type: Currency · Evidence: Application / term sheet / appraisal / sources & uses
PAIUL-099ST-004
As-is valueValuation
Current supportable value.
Type: Currency · Evidence: Application / term sheet / appraisal / sources & uses
PAIUL-100ST-005
Stabilized valueValuation
Supportable stabilized value.
Type: Currency · Evidence: Application / term sheet / appraisal / sources & uses
PAIUL-101ST-006
Gross development valueValuation
Projected gross development value.
Type: Currency · Evidence: Application / term sheet / appraisal / sources & uses
PAIUL-102ST-007
Total project costProject cost
All-in project cost.
Type: Currency · Evidence: Application / term sheet / appraisal / sources & uses
PAIUL-103ST-008
Loan proceeds to costLeverage
Requested loan divided by total project cost.
Type: Currency · Evidence: Application / term sheet / appraisal / sources & uses
PAIUL-104ST-009
Loan proceeds to valueLeverage
Requested loan divided by relevant value.
Type: Currency · Evidence: Application / term sheet / appraisal / sources & uses
PAIUL-105ST-010
Interest rate typeRate
Fixed/floating or other rate structure.
Type: Scored assessment · Evidence: Application / term sheet / appraisal / sources & uses
PAIUL-106ST-011
Rate spreadRate
Contractual/indicative spread when known.
Type: Scored assessment · Evidence: Application / term sheet / appraisal / sources & uses
PAIUL-107ST-012
Interest-only periodPayment
Months of interest-only payment.
Type: Scored assessment · Evidence: Application / term sheet / appraisal / sources & uses
PAIUL-108ST-013
Amortization periodPayment
Loan amortization period.
Type: Scored assessment · Evidence: Application / term sheet / appraisal / sources & uses
PAIUL-109ST-014
Loan termTerm
Months/years to maturity.
Type: Scored assessment · Evidence: Application / term sheet / appraisal / sources & uses
PAIUL-110ST-015
Prepayment structurePrepayment
Lockout, yield maintenance, defeasance, etc.
Type: Scored assessment · Evidence: Application / term sheet / appraisal / sources & uses
PAIUL-111ST-016
Recourse structureRecourse
Full, limited or non-recourse structure.
Type: Scored assessment · Evidence: Application / term sheet / appraisal / sources & uses
PAIUL-112ST-017
Completion guarantyGuarantees
Completion support obligations.
Type: Scored assessment · Evidence: Application / term sheet / appraisal / sources & uses
PAIUL-113ST-018
Carry guarantyGuarantees
Operating/interest carry support.
Type: Scored assessment · Evidence: Application / term sheet / appraisal / sources & uses
PAIUL-114ST-019
Bad-boy guarantyGuarantees
Non-recourse carveout obligations.
Type: Scored assessment · Evidence: Application / term sheet / appraisal / sources & uses
PAIUL-115ST-020
Debt stack positionCapital stack
Senior, mezzanine, preferred equity or equity position.
Type: Scored assessment · Evidence: Application / term sheet / appraisal / sources & uses
PAIUL-116ST-021
Existing liensTitle/debt
Existing encumbrances and lien priority.
Type: Scored assessment · Evidence: Application / term sheet / appraisal / sources & uses
PAIUL-117ST-022
Subordinate debtCapital stack
Existing junior debt after closing.
Type: Scored assessment · Evidence: Application / term sheet / appraisal / sources & uses
PAIUL-118ST-023
Unfunded equity gapHARD GATECapital stack
Required equity less committed equity.
Type: Currency · Evidence: Application / term sheet / appraisal / sources & uses
PAIUL-119ST-024
Sources fully fundedHARD GATESources & uses
Whether sources equal or exceed uses.
Type: Yes / No · Evidence: Application / term sheet / appraisal / sources & uses
PAIUL-120ST-025
Uses completenessSources & uses
Completeness of transaction uses.
Type: Percentage · Evidence: Application / term sheet / appraisal / sources & uses
Context & Execution
25 variables
PAIUL-121CX-001
Transaction classificationTransaction
Acquisition, refinance, bridge, construction, recapitalization, etc.
Type: Scored assessment · Evidence: Application / workflow / transaction docs
PAIUL-122CX-002
Required closing dateTiming
Days until required closing.
Type: Date · Evidence: Application / workflow / transaction docs
PAIUL-123CX-003
Purchase contract statusContract
Executed/LOI/none/contingent status.
Type: Scored assessment · Evidence: Application / workflow / transaction docs
PAIUL-124CX-004
Due diligence completionDue diligence
Progress through diligence milestones.
Type: Scored assessment · Evidence: Application / workflow / transaction docs
PAIUL-125CX-005
Appraisal timingThird-party reports
Appraisal status relative to closing.
Type: Scored assessment · Evidence: Application / workflow / transaction docs
PAIUL-126CX-006
Title readinessThird-party reports
Title commitment/readiness relative to closing.
Type: Scored assessment · Evidence: Application / workflow / transaction docs
PAIUL-127CX-007
Environmental readinessThird-party reports
Environmental report readiness.
Type: Scored assessment · Evidence: Application / workflow / transaction docs
PAIUL-128CX-008
Insurance readinessThird-party reports
Insurance evidence/quote readiness.
Type: Scored assessment · Evidence: Application / workflow / transaction docs
PAIUL-129CX-009
Core document completenessDocumentation
Required documents present for current stage.
Type: Percentage · Evidence: Application / workflow / transaction docs
PAIUL-130CX-010
Cross-document consistencyDocumentation
Agreement among key values across documents.
Type: Scored assessment · Evidence: Application / workflow / transaction docs
PAIUL-131CX-011
Deal data freshnessData
Age of critical deal inputs.
Type: Scored assessment · Evidence: Application / workflow / transaction docs
PAIUL-132CX-012
Overall input confidenceData
Confidence in key input values.
Type: Percentage · Evidence: Application / workflow / transaction docs
PAIUL-133CX-013
Sponsor responsivenessExecution
Timeliness/completeness of sponsor responses.
Type: Scored assessment · Evidence: Application / workflow / transaction docs
PAIUL-134CX-014
Broker packaging readinessExecution
Completeness of broker submission package.
Type: Scored assessment · Evidence: Application / workflow / transaction docs
PAIUL-135CX-015
Matched lender response speedExecution
Observed/historical response SLA for matched providers.
Type: Scored assessment · Evidence: Application / workflow / transaction docs
PAIUL-136CX-016
Known exception countExceptions
Number of known guideline exceptions.
Type: Scored assessment · Evidence: Application / workflow / transaction docs
PAIUL-137CX-017
Exception severityExceptions
Materiality of exceptions.
Type: Scored assessment · Evidence: Application / workflow / transaction docs
PAIUL-138CX-018
Exception mitigant strengthExceptions
Strength of documented mitigants.
Type: Scored assessment · Evidence: Application / workflow / transaction docs
PAIUL-139CX-019
Deal complexityComplexity
Complexity across parties, asset, structure and timing.
Type: Scored assessment · Evidence: Application / workflow / transaction docs
PAIUL-140CX-020
Closing execution complexityComplexity
Operational complexity to close.
Type: Scored assessment · Evidence: Application / workflow / transaction docs
PAIUL-141CX-021
Legal/structural complexityLegal
Legal complexity affecting closing.
Type: Scored assessment · Evidence: Application / workflow / transaction docs
PAIUL-142CX-022
Third-party dependency countDependencies
Critical approvals/vendors/partners required.
Type: Scored assessment · Evidence: Application / workflow / transaction docs
PAIUL-143CX-023
Sponsor-capital alignmentAlignment
Alignment of objectives, structure and exit with capital.
Type: Scored assessment · Evidence: Application / workflow / transaction docs
PAIUL-144CX-024
Strategic urgencyUrgency
Consequence of delay/failure to close.
Type: Scored assessment · Evidence: Application / workflow / transaction docs
PAIUL-145CX-025
Contextual deal viabilityViability
Composite context fit before lender matching.
Type: Scored assessment · Evidence: Application / workflow / transaction docs
Development & Stabilization
25 variables · 1 hard gate
PAIUL-146DV-001
Current construction phaseConstruction
Current construction/predevelopment phase.
Type: Scored assessment · Evidence: Plans / budget / permits / GC / project controls
PAIUL-147DV-002
Construction completion percentageConstruction
Percent physically complete.
Type: Percentage · Evidence: Plans / budget / permits / GC / project controls
PAIUL-148DV-003
Approved construction budgetConstruction
Current hard/soft construction budget.
Type: Currency · Evidence: Plans / budget / permits / GC / project controls
PAIUL-149DV-004
Budget varianceConstruction
Variance from original/approved budget.
Type: Currency · Evidence: Plans / budget / permits / GC / project controls
PAIUL-150DV-005
Remaining contingencyConstruction
Unspent contingency as a share of budget.
Type: Scored assessment · Evidence: Plans / budget / permits / GC / project controls
PAIUL-151DV-006
Cost to completeConstruction
Estimated remaining project cost.
Type: Currency · Evidence: Plans / budget / permits / GC / project controls
PAIUL-152DV-007
Funds to completeConstruction
Verified sources available for remaining cost.
Type: Scored assessment · Evidence: Plans / budget / permits / GC / project controls
PAIUL-153DV-008
General contractor strengthContractor
Experience/financial/contractual strength of GC.
Type: Scored assessment · Evidence: Plans / budget / permits / GC / project controls
PAIUL-154DV-009
GC contract statusContractor
Executed and appropriate construction contract.
Type: Scored assessment · Evidence: Plans / budget / permits / GC / project controls
PAIUL-155DV-010
Permit statusHARD GATEPermitting
Required permits obtained/available.
Type: Scored assessment · Evidence: Plans / budget / permits / GC / project controls
PAIUL-156DV-011
Plans completenessDesign
Approved plans/specifications completeness.
Type: Percentage · Evidence: Plans / budget / permits / GC / project controls
PAIUL-157DV-012
Draw administration readinessControls
Quality/readiness of draw process.
Type: Percentage · Evidence: Plans / budget / permits / GC / project controls
PAIUL-158DV-013
Lease-up velocityLease-up
Observed/projected leasing pace.
Type: Scored assessment · Evidence: Plans / budget / permits / GC / project controls
PAIUL-159DV-014
Expected stabilization dateStabilization
Projected date to stabilized operations.
Type: Date · Evidence: Plans / budget / permits / GC / project controls
PAIUL-160DV-015
Time to stabilizationStabilization
Months from closing to stabilization.
Type: Scored assessment · Evidence: Plans / budget / permits / GC / project controls
PAIUL-161DV-016
Stabilized NOIStabilization
Projected NOI at stabilization.
Type: Scored assessment · Evidence: Plans / budget / permits / GC / project controls
PAIUL-162DV-017
Stabilized DSCRStabilization
Projected DSCR after stabilization.
Type: Scored assessment · Evidence: Plans / budget / permits / GC / project controls
PAIUL-163DV-018
Stabilization riskStabilization
Risk of stabilization slippage.
Type: Scored assessment · Evidence: Plans / budget / permits / GC / project controls
PAIUL-164DV-019
Lease-up reserve adequacyReserves
Reserves available during lease-up.
Type: Scored assessment · Evidence: Plans / budget / permits / GC / project controls
PAIUL-165DV-020
Projected operating deficitCash flow
Expected cumulative deficit before stabilization.
Type: Currency · Evidence: Plans / budget / permits / GC / project controls
PAIUL-166DV-021
Construction schedule adherenceSchedule
Variance to approved schedule.
Type: Scored assessment · Evidence: Plans / budget / permits / GC / project controls
PAIUL-167DV-022
Change-order exposureConstruction
Approved/pending change-order exposure.
Type: Scored assessment · Evidence: Plans / budget / permits / GC / project controls
PAIUL-168DV-023
Mechanic's lien riskLiens
Known/potential lien exposure.
Type: Scored assessment · Evidence: Plans / budget / permits / GC / project controls
PAIUL-169DV-024
Development entitlement statusEntitlements
Zoning/entitlement readiness.
Type: Scored assessment · Evidence: Plans / budget / permits / GC / project controls
PAIUL-170DV-025
Development exit supportExit
Evidence supporting sale/refi takeout after completion.
Type: Scored assessment · Evidence: Plans / budget / permits / GC / project controls
Exit & Refinance Intelligence
25 variables
PAIUL-171EX-001
Primary exit strategyExit
Sale, refinance, paydown, recapitalization or other.
Type: Scored assessment · Evidence: Debt docs / pro forma / market data / scenarios
PAIUL-172EX-002
Expected exit dateExit
Expected date of exit.
Type: Date · Evidence: Debt docs / pro forma / market data / scenarios
PAIUL-173EX-003
PAIUL refinance probabilityRefinance
Calibrated predictive probability of refinance.
Type: Percentage · Evidence: Debt docs / pro forma / market data / scenarios
PAIUL-174EX-004
Takeout capital fitRefinance
Compatibility of likely takeout capital.
Type: Yes / No · Evidence: Debt docs / pro forma / market data / scenarios
PAIUL-175EX-005
Takeout DSCRRefinance
Projected DSCR at refinance/exit.
Type: Scored assessment · Evidence: Debt docs / pro forma / market data / scenarios
PAIUL-176EX-006
Takeout LTVRefinance
Projected LTV at refinance/exit.
Type: Percentage · Evidence: Debt docs / pro forma / market data / scenarios
PAIUL-177EX-007
Projected exit valueValuation
Supportable value at exit.
Type: Currency · Evidence: Debt docs / pro forma / market data / scenarios
PAIUL-178EX-008
Exit cap rate assumptionValuation
Capitalization rate used at exit.
Type: Scored assessment · Evidence: Debt docs / pro forma / market data / scenarios
PAIUL-179EX-009
Exit value downsideStress
Value under defined downside scenario.
Type: Currency · Evidence: Debt docs / pro forma / market data / scenarios
PAIUL-180EX-010
Exit DSCR downsideStress
DSCR under defined downside scenario.
Type: Scored assessment · Evidence: Debt docs / pro forma / market data / scenarios
PAIUL-181EX-011
Interest-rate sensitivityStress
Effect of rate movement on exit/refi.
Type: Scored assessment · Evidence: Debt docs / pro forma / market data / scenarios
PAIUL-182EX-012
Expected refinance proceedsRefinance
Estimated refinance proceeds.
Type: Currency · Evidence: Debt docs / pro forma / market data / scenarios
PAIUL-183EX-013
Expected refinance shortfallRefinance
Shortfall between payoff and projected proceeds.
Type: Scored assessment · Evidence: Debt docs / pro forma / market data / scenarios
PAIUL-184EX-014
Exit market liquidityLiquidity
Ability to sell/refi within target horizon.
Type: Currency · Evidence: Debt docs / pro forma / market data / scenarios
PAIUL-185EX-015
Sale evidence strengthValuation
Depth/quality of sale comps supporting exit.
Type: Scored assessment · Evidence: Debt docs / pro forma / market data / scenarios
PAIUL-186EX-016
Potential buyer depthMarket
Estimated buyer pool.
Type: Scored assessment · Evidence: Debt docs / pro forma / market data / scenarios
PAIUL-187EX-017
Refinance seasoningSeasoning
Actual/expected seasoning at refinance.
Type: Scored assessment · Evidence: Debt docs / pro forma / market data / scenarios
PAIUL-188EX-018
Exit execution readinessExecution
Operational readiness to execute exit.
Type: Scored assessment · Evidence: Debt docs / pro forma / market data / scenarios
PAIUL-189EX-019
Exit Readiness GradeReadiness
Composite exit readiness grade.
Type: Scored assessment · Evidence: Debt docs / pro forma / market data / scenarios
PAIUL-190EX-020
Time to maturityMaturity
Months between current date and maturity.
Type: Scored assessment · Evidence: Debt docs / pro forma / market data / scenarios
PAIUL-191EX-021
Extension availabilityMaturity
Contractual extension options.
Type: Scored assessment · Evidence: Debt docs / pro forma / market data / scenarios
PAIUL-192EX-022
Extension feasibilityMaturity
Ability to satisfy extension tests.
Type: Scored assessment · Evidence: Debt docs / pro forma / market data / scenarios
PAIUL-193EX-023
Prepayment burden at exitPrepayment
Estimated exit prepayment cost.
Type: Currency · Evidence: Debt docs / pro forma / market data / scenarios
PAIUL-194EX-024
Sponsor exit-gap capacityLiquidity
Sponsor resources for exit shortfall.
Type: Currency · Evidence: Debt docs / pro forma / market data / scenarios
PAIUL-195EX-025
Exit scenario resilienceResilience
Resilience across defined exit scenarios.
Type: Scored assessment · Evidence: Debt docs / pro forma / market data / scenarios
Lender Compatibility
25 variables · 25 hard gates
PAIUL-196LM-001
Basic product eligibilityHARD GATEEligibility
Whether the deal meets hard product rules.
Type: Yes / No · Evidence: Verified lender/product rules
PAIUL-197LM-002
Loan size fitHARD GATEEligibility
Requested amount within product range.
Type: Yes / No · Evidence: Verified lender/product rules
PAIUL-198LM-003
LTV fitHARD GATEEligibility
Requested LTV within product maximum.
Type: Yes / No · Evidence: Verified lender/product rules
PAIUL-199LM-004
LTC fitHARD GATEEligibility
Requested LTC within product maximum.
Type: Yes / No · Evidence: Verified lender/product rules
PAIUL-200LM-005
DSCR fitHARD GATEEligibility
DSCR within product minimum.
Type: Yes / No · Evidence: Verified lender/product rules
PAIUL-201LM-006
Debt yield fitHARD GATEEligibility
Debt yield within product minimum.
Type: Yes / No · Evidence: Verified lender/product rules
PAIUL-202LM-007
FICO fitHARD GATEEligibility
Credit score within product minimum.
Type: Yes / No · Evidence: Verified lender/product rules
PAIUL-203LM-008
Liquidity fitHARD GATEEligibility
Verified liquidity within product minimum.
Type: Yes / No · Evidence: Verified lender/product rules
PAIUL-204LM-009
Experience fitHARD GATEEligibility
Sponsor experience within product minimum.
Type: Yes / No · Evidence: Verified lender/product rules
PAIUL-205LM-010
Recourse fitHARD GATEEligibility
Requested recourse compatible with product.
Type: Yes / No · Evidence: Verified lender/product rules
PAIUL-206LM-011
Property-type fitHARD GATEEligibility
Asset class/subtype permitted.
Type: Yes / No · Evidence: Verified lender/product rules
PAIUL-207LM-012
Geography fitHARD GATEEligibility
State/MSA/county eligibility.
Type: Yes / No · Evidence: Verified lender/product rules
PAIUL-208LM-013
Condition fitHARD GATEEligibility
Property condition within product limit.
Type: Yes / No · Evidence: Verified lender/product rules
PAIUL-209LM-014
Occupancy fitHARD GATEEligibility
Current/stabilized occupancy fits product.
Type: Yes / No · Evidence: Verified lender/product rules
PAIUL-210LM-015
Construction fitHARD GATEEligibility
Ground-up/rehab allowed.
Type: Yes / No · Evidence: Verified lender/product rules
PAIUL-211LM-016
Vacancy fitHARD GATEEligibility
Vacancy allowed under product.
Type: Yes / No · Evidence: Verified lender/product rules
PAIUL-212LM-017
Bankruptcy policy fitHARD GATEEligibility
Bankruptcy seasoning/tolerance compatibility.
Type: Yes / No · Evidence: Verified lender/product rules
PAIUL-213LM-018
Foreclosure policy fitHARD GATEEligibility
Foreclosure seasoning/tolerance compatibility.
Type: Yes / No · Evidence: Verified lender/product rules
PAIUL-214LM-019
Foreign-national fitHARD GATEEligibility
Borrower citizenship/residency compatibility.
Type: Yes / No · Evidence: Verified lender/product rules
PAIUL-215LM-020
Entity-type fitHARD GATEEligibility
LLC/trust/corp/etc. permitted.
Type: Yes / No · Evidence: Verified lender/product rules
PAIUL-216LM-021
Documentation fitHARD GATEDocumentation
Ability to satisfy lender documentation requirements.
Type: Yes / No · Evidence: Verified lender/product rules
PAIUL-217LM-022
Execution fitHARD GATEExecution
Expected process/speed compatibility.
Type: Yes / No · Evidence: Verified lender/product rules
PAIUL-218LM-023
Lender flexibilityHARD GATEFlexibility
Observed/verified exception flexibility.
Type: Scored assessment · Evidence: Verified lender/product rules
PAIUL-219LM-024
Submission channel fitHARD GATEChannel
Direct/broker/correspondent pathway available.
Type: Yes / No · Evidence: Verified lender/product rules
PAIUL-220LM-025
Evidence quality fitHARD GATEEvidence
Minimum evidence threshold for lender match.
Type: Yes / No · Evidence: Verified lender/product rules
Evidence & Data Quality
25 variables
PAIUL-221ED-001
Borrower identity confidenceIdentity
Confidence borrower/entity identity is correctly resolved.
Type: Percentage · Evidence: DXE Evidence Graph / source records
PAIUL-222ED-002
Property identity confidenceIdentity
Confidence subject property is correctly identified.
Type: Percentage · Evidence: DXE Evidence Graph / source records
PAIUL-223ED-003
Value evidence confidenceEvidence
Confidence in value input.
Type: Currency · Evidence: DXE Evidence Graph / source records
PAIUL-224ED-004
Income/NOI evidence confidenceEvidence
Confidence in income/NOI inputs.
Type: Percentage · Evidence: DXE Evidence Graph / source records
PAIUL-225ED-005
Liquidity evidence confidenceEvidence
Confidence in verified liquidity.
Type: Currency · Evidence: DXE Evidence Graph / source records
PAIUL-226ED-006
Credit evidence confidenceEvidence
Confidence in credit inputs.
Type: Percentage · Evidence: DXE Evidence Graph / source records
PAIUL-227ED-007
Experience evidence confidenceEvidence
Confidence in sponsor experience.
Type: Percentage · Evidence: DXE Evidence Graph / source records
PAIUL-228ED-008
Market evidence confidenceEvidence
Confidence in market data.
Type: Percentage · Evidence: DXE Evidence Graph / source records
PAIUL-229ED-009
Debt evidence confidenceEvidence
Confidence in current debt/payoff inputs.
Type: Percentage · Evidence: DXE Evidence Graph / source records
PAIUL-230ED-010
Legal evidence confidenceEvidence
Confidence in legal/title inputs.
Type: Percentage · Evidence: DXE Evidence Graph / source records
PAIUL-231ED-011
Construction evidence confidenceEvidence
Confidence in cost/schedule/completion inputs.
Type: Percentage · Evidence: DXE Evidence Graph / source records
PAIUL-232ED-012
Insurance evidence confidenceEvidence
Confidence in insurability/coverage inputs.
Type: Percentage · Evidence: DXE Evidence Graph / source records
PAIUL-233ED-013
Overall data completenessData quality
Required fields populated for current stage.
Type: Percentage · Evidence: DXE Evidence Graph / source records
PAIUL-234ED-014
Overall data consistencyData quality
Cross-source values agree.
Type: Scored assessment · Evidence: DXE Evidence Graph / source records
PAIUL-235ED-015
Source authorityData quality
Strength of sources used.
Type: Scored assessment · Evidence: DXE Evidence Graph / source records
PAIUL-236ED-016
Source freshnessData quality
Recency of evidence.
Type: Scored assessment · Evidence: DXE Evidence Graph / source records
PAIUL-237ED-017
Critical evidence coverageData quality
Critical model inputs traceable to evidence.
Type: Percentage · Evidence: DXE Evidence Graph / source records
PAIUL-238ED-018
Document extraction confidenceExtraction
Confidence in parsed document data.
Type: Percentage · Evidence: DXE Evidence Graph / source records
PAIUL-239ED-019
Manual override countAudit
Number of human overrides to source data.
Type: Scored assessment · Evidence: DXE Evidence Graph / source records
PAIUL-240ED-020
Model input stabilityData quality
Stability of material inputs across revisions.
Type: Scored assessment · Evidence: DXE Evidence Graph / source records
PAIUL-241ED-021
Evidence contradiction countEvidence
Material conflicting evidence points.
Type: Scored assessment · Evidence: DXE Evidence Graph / source records
PAIUL-242ED-022
Unverified critical field countData quality
Critical fields lacking adequate evidence.
Type: Scored assessment · Evidence: DXE Evidence Graph / source records
PAIUL-243ED-023
Data lineage completenessLineage
Percent of model inputs traceable to source.
Type: Percentage · Evidence: DXE Evidence Graph / source records
PAIUL-244ED-024
AuditabilityAudit
Ability to reproduce the current score.
Type: Scored assessment · Evidence: DXE Evidence Graph / source records
PAIUL-245ED-025
Overall Evidence GradeEvidence
Composite evidence quality grade.
Type: Scored assessment · Evidence: DXE Evidence Graph / source records
Risk & Scenario Intelligence
25 variables
PAIUL-246RK-001
Overall leverage riskRisk
Risk from current leverage.
Type: Scored assessment · Evidence: PAIUL calculations / scenario engine
PAIUL-247RK-002
Coverage riskRisk
Risk from insufficient debt-service coverage.
Type: Percentage · Evidence: PAIUL calculations / scenario engine
PAIUL-248RK-003
Liquidity riskRisk
Risk from insufficient sponsor/property liquidity.
Type: Currency · Evidence: PAIUL calculations / scenario engine
PAIUL-249RK-004
Market riskRisk
Risk from market weakness/volatility.
Type: Scored assessment · Evidence: PAIUL calculations / scenario engine
PAIUL-250RK-005
Asset riskRisk
Risk from property characteristics/condition.
Type: Scored assessment · Evidence: PAIUL calculations / scenario engine
PAIUL-251RK-006
Sponsor riskRisk
Risk from sponsor credit/capacity/history.
Type: Scored assessment · Evidence: PAIUL calculations / scenario engine
PAIUL-252RK-007
Structure riskRisk
Risk from financing structure/capital stack.
Type: Scored assessment · Evidence: PAIUL calculations / scenario engine
PAIUL-253RK-008
Execution riskRisk
Risk from timing/process/closing complexity.
Type: Scored assessment · Evidence: PAIUL calculations / scenario engine
PAIUL-254RK-009
Stabilization riskRisk
Risk that asset fails to stabilize as projected.
Type: Scored assessment · Evidence: PAIUL calculations / scenario engine
PAIUL-255RK-010
Exit riskRisk
Risk that exit fails or is delayed.
Type: Scored assessment · Evidence: PAIUL calculations / scenario engine
PAIUL-256RK-011
Interest-rate riskStress
Sensitivity to interest-rate movement.
Type: Scored assessment · Evidence: PAIUL calculations / scenario engine
PAIUL-257RK-012
Value downside riskStress
Sensitivity to value decline.
Type: Currency · Evidence: PAIUL calculations / scenario engine
PAIUL-258RK-013
NOI downside riskStress
Sensitivity to NOI decline.
Type: Scored assessment · Evidence: PAIUL calculations / scenario engine
PAIUL-259RK-014
Occupancy downside riskStress
Sensitivity to occupancy decline.
Type: Percentage · Evidence: PAIUL calculations / scenario engine
PAIUL-260RK-015
Refinance riskRisk
Risk that expected refinance is unavailable.
Type: Scored assessment · Evidence: PAIUL calculations / scenario engine
PAIUL-261RK-016
Concentration riskRisk
Tenant/asset/geographic concentration risk.
Type: Percentage · Evidence: PAIUL calculations / scenario engine
PAIUL-262RK-017
Counterparty riskRisk
Risk from key third parties.
Type: Scored assessment · Evidence: PAIUL calculations / scenario engine
PAIUL-263RK-018
Legal riskRisk
Material legal/structural risk.
Type: Scored assessment · Evidence: PAIUL calculations / scenario engine
PAIUL-264RK-019
Environmental riskRisk
Material environmental risk.
Type: Scored assessment · Evidence: PAIUL calculations / scenario engine
PAIUL-265RK-020
Insurance riskRisk
Risk from coverage availability/cost.
Type: Scored assessment · Evidence: PAIUL calculations / scenario engine
PAIUL-266RK-021
Fraud/anomaly riskAnomaly
Potential anomalies requiring investigation.
Type: Scored assessment · Evidence: PAIUL calculations / scenario engine
PAIUL-267RK-022
Downside resilienceStress
Performance under defined downside scenarios.
Type: Scored assessment · Evidence: PAIUL calculations / scenario engine
PAIUL-268RK-023
Break-even occupancyCoverage
Occupancy required to cover obligations.
Type: Percentage · Evidence: PAIUL calculations / scenario engine
PAIUL-269RK-024
Break-even DSCRCoverage
DSCR at stress case.
Type: Scored assessment · Evidence: PAIUL calculations / scenario engine
PAIUL-270RK-025
Risk-adjusted viabilityViability
Composite viability after material risks.
Type: Scored assessment · Evidence: PAIUL calculations / scenario engine
Outcome & Learning Intelligence
30 variables
PAIUL-271OL-001
PAIUL Funding Probability IndexModel output
Calibrated probability estimate of funding under modeled conditions.
Type: Percentage · Evidence: PAIUL model / workflow / outcome warehouse
PAIUL-272OL-002
AI Deal Logic ScoreModel output
Composite PAIUL deal-quality logic score.
Type: Scored assessment · Evidence: PAIUL model / workflow / outcome warehouse
PAIUL-273OL-003
PAIUL Funding ScoreModel output
Normalized 0–1000 funding score.
Type: Scored assessment · Evidence: PAIUL model / workflow / outcome warehouse
PAIUL-274OL-004
Sponsor Strength RatingModel output
Composite sponsor capacity/track-record score.
Type: Scored assessment · Evidence: PAIUL model / workflow / outcome warehouse
PAIUL-275OL-005
Stabilization Risk ScoreModel output
Composite stabilization risk score.
Type: Scored assessment · Evidence: PAIUL model / workflow / outcome warehouse
PAIUL-276OL-006
Exit Readiness GradeModel output
Composite exit readiness grade.
Type: Scored assessment · Evidence: PAIUL model / workflow / outcome warehouse
PAIUL-277OL-007
Capital Compatibility ScoreModel output
Fit between deal and matched capital.
Type: Scored assessment · Evidence: PAIUL model / workflow / outcome warehouse
PAIUL-278OL-008
Submission PriorityModel output
Recommended order for capital outreach.
Type: Scored assessment · Evidence: PAIUL model / workflow / outcome warehouse
PAIUL-279OL-009
Recommended Capital CategoryModel output
Primary compatible capital category.
Type: Scored assessment · Evidence: PAIUL model / workflow / outcome warehouse
PAIUL-280OL-010
Recommended Lender Set SizeModel output
Number of providers appropriate for outreach.
Type: Scored assessment · Evidence: PAIUL model / workflow / outcome warehouse
PAIUL-281OL-011
Primary Deal ConstraintModel output
Highest-impact negative variable.
Type: Scored assessment · Evidence: PAIUL model / workflow / outcome warehouse
PAIUL-282OL-012
Top Improvement ActionModel output
Highest-impact feasible improvement action.
Type: Scored assessment · Evidence: PAIUL model / workflow / outcome warehouse
PAIUL-283OL-013
Deal Improvement PotentialSimulator
Estimated upside from feasible improvements.
Type: Scored assessment · Evidence: PAIUL model / workflow / outcome warehouse
PAIUL-284OL-014
Funding Probability Lift PotentialSimulator
Estimated probability improvement from feasible changes.
Type: Percentage · Evidence: PAIUL model / workflow / outcome warehouse
PAIUL-285OL-015
Lender Exception LikelihoodModel output
Estimated likelihood of requiring an exception.
Type: Scored assessment · Evidence: PAIUL model / workflow / outcome warehouse
PAIUL-286OL-016
Execution ScoreModel output
Expected closing execution quality.
Type: Scored assessment · Evidence: PAIUL model / workflow / outcome warehouse
PAIUL-287OL-017
PAIUL Model ConfidenceModel governance
Confidence in predictive output.
Type: Percentage · Evidence: PAIUL model / workflow / outcome warehouse
PAIUL-288OL-018
Model VersionModel governance
Version of model used for score.
Type: Scored assessment · Evidence: PAIUL model / workflow / outcome warehouse
PAIUL-289OL-019
Score TimestampModel governance
Timestamp of current model output.
Type: Date · Evidence: PAIUL model / workflow / outcome warehouse
PAIUL-290OL-020
Funding Outcome StatusOutcome
Applied/term sheet/approved/declined/closed/etc.
Type: Scored assessment · Evidence: PAIUL model / workflow / outcome warehouse
PAIUL-291OL-021
Lender DecisionOutcome
Observed lender decision.
Type: Scored assessment · Evidence: PAIUL model / workflow / outcome warehouse
PAIUL-292OL-022
Decline ReasonOutcome
Structured reason for decline.
Type: Scored assessment · Evidence: PAIUL model / workflow / outcome warehouse
PAIUL-293OL-023
Exception OutcomeOutcome
Approved/denied/modified exception result.
Type: Scored assessment · Evidence: PAIUL model / workflow / outcome warehouse
PAIUL-294OL-024
Closing OutcomeOutcome
Whether transaction funded/closed.
Type: Yes / No · Evidence: PAIUL model / workflow / outcome warehouse
PAIUL-295OL-025
Actual Funded AmountOutcome
Final funded principal.
Type: Currency · Evidence: PAIUL model / workflow / outcome warehouse
PAIUL-296OL-026
Actual Days to CloseOutcome
Elapsed time to close.
Type: Scored assessment · Evidence: PAIUL model / workflow / outcome warehouse
PAIUL-297OL-027
Prediction ErrorLearning
Difference between predicted probability and observed outcome over a cohort.
Type: Scored assessment · Evidence: PAIUL model / workflow / outcome warehouse
PAIUL-298OL-028
Lender Behavior Update SignalLearning
Observed change in lender/product behavior.
Type: Date · Evidence: PAIUL model / workflow / outcome warehouse
PAIUL-299OL-029
Variable Predictive ValueLearning
Observed contribution/stability of a variable to prediction.
Type: Currency · Evidence: PAIUL model / workflow / outcome warehouse
PAIUL-300OL-030
Variable DriftLearning
Change in variable distribution over time.
Type: Scored assessment · Evidence: PAIUL model / workflow / outcome warehouse
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